How to Make More Money According to a Pro

Nicole Lapin

Making more money than you do now requires thinking outside the paycheck: investing, getting out of debt, not being a slave to impulse buys, and working that side hustle. In this week's Teach Me Something New podcast, financial expert and bestselling author Nicole Lapin returns (by popular demand) to school Brit and Angelika on her money-making secrets. Here are some highlights:

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Use your age as an investment strategy. "The rule of thumb is to take your age and then take that percentage and buy bonds," says Lapin. "So I'm 36. The rule of thumb is to put 36 percent of your whole portfolio into bonds, because that's going to reflect your general time horizon."

Get out of debt before you save. Before you invest or start a high-yield savings account, get out of debt so that those returns can actually compound for you. "When you get your debt situation under control, you'll ultimately make more because if you're starting to invest in your earning interest, it's just going to be canceled out by the interest that you're paying on debt," says Lapin.

Think about what you can teach. "I think investing in yourself will pay most dividends later on," says Lapin. That means going for that side hustle, or better, turning your passion into your own business. "Everybody has something to teach, whether it's history or basket weaving or whatever. There is somebody who will pay for that knowledge. So instead of focusing on how do I make more money, focus on 'what can I do to be of service?'," adds Lapin.

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Hold back on the impulse buys. "Back in the day, I would have suggested 70 percent going to your essential expenses (your food, your housing, your transportation, all that stuff); 15 percent go toward the extras (the latte, the mani-pedi, the rainbow track suit that I'm currently wearing…) and then 15 percent for retirement, investing and savings," says Lapin. Now in the new normal, I would try to squirrel that back to 65 percent to essentials, 30 percent to the end game and then 5 percent to the extras because, you know, Amazon is like kryptonite and it's really nice to buy stupid crap. But I think we're all seeing that that doesn't make us happy."


Find out what Lapin thinks about robo-advisors, cryptocurrency, buying a home right now, and more in the latest Teach Me Something New!

In our Take 5 series, sponsored by Verizon, we ask women in business about unexpected challenges, their inspirations, recent wins, and how the free Verizon Small Business Digital Ready Program has helped propel their business forward. Here, we meet Shalia Moore-Hayes, who runs a laundry business, Team J&S, with her husband in St. Petersburg and Tampa, FL.

1. How is it running a business as a wife-and-husband team, with five children no less!

We capitalize on each other's strengths, and we help each other grow in our respective areas. I try to get comfortable with the things that he's good at and he tries to get comfortable with the paperwork – and the things that I'm a little bit more good at, and being aware of those responsibilities. So as long as we do that, things work out well.

2. What’s a recent small win for you and your business?

My husband recently learned how to repair a lot of different things. He paid attention to what the repairmen we hired to do the work were doing. Our top loaders, our most popular washing machine, takes a lot of wear and tear. They're not the easiest to maintain. My husband has learned how to fix them. That's a small win.

The second one, because I said I capitalize on his strengths and my strengths, is I've been much better about working with accounting software. I used Verizon Small Business resources to learn how to make our books easier.

3. Who is a woman in business that you look up to and why?

My husband and I both agree that the women who contract with us for our wash/dry/fold – who we were able to springboard with support from the Verizon grant program – have inspired us because they were homeless coming out of the pandemic. They were able to come into our establishment and start their own small business, and that's something that we are super proud of these women for, for taking the steps that they did to start their own small business.

4. What's a book, podcast, or resource that has made an impact on you as an entrepreneur?

Before 2018, my husband bought this DVD set by Danny D'Angelo, the KING of Laundry, and we were able to learn about the business just from sitting down and listening to him. A few years later, my husband was on his podcast! He was really, really inspirational to us.

5. How has the Verizon Small Business program helped propel your business forward?

The free resources are always a benefit because you're not obligated to do anything other than taking the time to seek out information. We're just real people and I feel like Verizon is a partnership with us in small business, supporting us, and believing in us. We've been able to expand our business because Verizon gave us a shot to do that. And that's amazing.

Learn more about the free Verizon Small Business Digital Ready Program and Team J&S.

Illustration by Daniela Jordan-Villaveces.

Party on! Game nights are the best nights, at least in our opinions. Seriously, what's more fun than sitting around the table playing a game, drinking a cocktail or two and laughing with friends?! We'd totally take that over a night sweating (and very awkwardly dancing) at the club.

We know you've made it through that Cards Against Humanity deck too many times to count, so refresh your adult game night stash with some of the best new party games around.

Game of Phones

Uncommon Goods

This techy card game prompts you and your friends to compete in smartphone-based tasks. With assignments ranging from “Find your best #selfie” to “Create an emoji masterpiece,” you’re guaranteed belly laughs and conversation starters galore. Just like with Cards Against Humanity, each round has a judge that picks the winner, so get your phone stacked with game changers now.

hella awk-ward Card Game

Shopify

If you want to spark real conversations with your guests, this is the game for you. By the end of this game, you’ll be surrounded by plenty of new pals. Play by drawing a card and answering the prompt to get to know friends and strangers alike on a deeper level.

What Do You Meme?

Amazon

This is the perfect game for anyone who has spent way too much time on the internet. Match funny captions with well-known internet memes (a rotating judge picks the best one) to create an afternoon or evening of hilarity.

Exploding Kittens Party Card Game

Amazon

This card game is like Russian Roulette “for people who are into kittens and explosions and laser beams and sometimes goats.” Count us in.

My Ex [A Deck of Conversation Starters]

Amazon

Gather your closest BFFs and spend the night with some good ol’ trash talking (therapeutically, of course). You’ll definitely find out who had the craziest ex. Gather friends that are down for the drama and start by pulling a card. Some of the topics you’ll fill-in-the-blank include: 1. The biggest red flag. 2. What is your ex up to now? 3. The worst rebound.

WHAT DO YOU MEME? for The Girls

Shopify

Grab your girlfriends and stir the pot with this hilarious card game. To play, whoever has the most Instagram followers goes first and rolls the die. “Whichever side of the die lands face-up, take the top card from the corresponding color deck. Read it aloud to the group & perform whatever action is on the card,” the instructions read. “Some cards involve just that player, some require the whole group. The player to their left then rolls the die & the game continues like this. Every winning card gets you a point. 1 Card = 1 Point. The player with the most cards at the end wins!”

Say Anything

Walmart

If you’re looking to reeeally get to know your friends, this is the game for you and your group (um, and maybe an invite to the new person you’ve been dating is in order). By reading questions and providing answers, you’ll quickly and creatively get inside the mind of all your party guests fast.

BAD CHOICES - The Have You Ever? Game + After Dark Edition Set

Amazon

You’ll really get to know the other party guests with this game. This might not be one to play with your new coworkers or mother-in-law!

To play, each player will draw six cards. “When it's your turn, choose one of your six question cards, then ask it to the player you think is most likely to answer YES. If they say YES, you get to discard your card. If they say NO you have to keep the card and try to use it again later,” the instructions read. With Skip Cards, Draw +1, Draw +2, and ALL PLAY cards, there's a surprising amount of strategy. The player who discards all of their cards first becomes the winner.

The Game of Things

Amazon

This provocative game will leave your jaw on the floor from the hilarious, creative and outrageous things your friends say. Simply by drawing topic cards like “Things a chimp thinks about when he sees you at the zoo,” responses are sure to be out of this world. After everyone writes down a response, and the best part starts — you all guess who said what. Let the finger pointing begin.

What’s Yours Like?

Walmart

Tell it like it is and you’ll excel at this one. Players have to guess words based off of creative word clues after asking the question, “What’s yours like?” Seriously, we wanna know.

If You Know You Know IYKYK - The Question Card Game

Amazon

Who knows each other best? This card game will (literally) put everyone’s cards on the table.

Getting started and playing this card game is super simple. A rotating judge asks the group a question about themselves from each of the three levels (indicated on the chosen card). Then, everyone chooses their answer. If you guess the judge's answer correctly, you get a point. The player with the most points wins.

That’s What She Said

Amazon

Are you basically Michael Scott from The Office? Any sucker for jokes and innuendos will love this saucy game.

Bananagrams

Shopify

This one is fun to do with the kids or you can spice it up with an adults-only game. Like speed scrabble, the game comes in a convenient banana-shaped pouch making it great to play on the go.

Never Have I Ever

Amazon

You and your friends can put your trust to the test by sharing your deepest, most embarrassing secrets in this revealing game.

Secret Confessions Game- Adult Version

Amazon

Get ready to laugh the night away with this far too funny game. Each group member will take turns reading the cards’ prompts. With each prompt, every player will answer “yes” or “no.”

The Voting Game

Amazon

In this game, instead of voting for the funniest answer, you vote for the player each card seems to describe. Talk about finding out who your real friends are.

Drawing Without Dignity

Amazon

It’s part Cards Against Humanity, part Pictionary. If you have friends who are particularly good artists (or even if they’re not), this game will bring you hours of fun.

Catan Strategy Board Game

Target

Like a medieval monopoly, full of knights, peasants, robbers and everything prehistoric. This game is focused around building settlements and protecting your land.

Relative Insanity

Walmart

Created by comedian Jeff Foxworthy, this game is based around familial interactions gone wrong with a Cards Against Humanity style of playing.

Influencers in the Wild

Amazon

If you follow the popular Instagram account, then you can probably guess the basics of this board game. Go places, gain followers and get famous to win this pop culture game.

We hope you've enjoyed this round-up of our favorite adult card games, and even if Cards Against Humanity is now somehow worth $500 Million your memories from these nights will always be priceless!

Keep you party going with Brit + Co.

Brit + Co. may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

This post has been updated.

A side hustle is a great way to either make some extra money or, if you’re dreaming of starting your own business, dip your toes into entrepreneurship without taking the plunge. After all, it’s low-risk, flexible, and you get to work on projects you enjoy.

But one of the most common questions I hear is, “how do I find a business idea?”

The Myers-Briggs personality assessment offers insights on your likes and dislikes and can be used to figure out what type of side business you might be cut out for. Get ready to start your side hustle with business ideas for each of the MBTI types.

INTJ ("The Architect")

You’re analytical, introverted, and quick to learn new topics that interest you. While you enjoy working on big problems, you’re not a people person and you’re fiercely independent. One of your core strengths is to take complex topics and turn them into actionable strategies. You’d thrive as a business consultant, technology consultant, or freelance writer.

INTP ("The Logician")

As a Logician, you’re creative, full of ideas, and innovative -- a perfect match for many side hustles. At the same time, while you love finding solutions to problems, you don’t necessarily want to work on the nitty-gritty of turning your vision into reality. Plus, as an introvert, you’d rather avoid wasting time on small talk. Look for side hustles such as innovation consulting, starting a software business, and tutoring.

ENTJ ("The Commander")

You’re a natural leader with a healthy dose of confidence. You strongly believe in your goals and have a knack for thinking strategically and holding a long-term focus. With these characteristics in mind, some of the top side hustles for you are executive coaching, corporate strategy consulting, and confidence coaching.

ENTP ("The Debater")

ENTPs are known for thinking big and questioning the status quo. You’re someone who knows how to connect different ideas to prove your point and has a great sense of humor. You could make it big as a sales consultant, speaking coach, Substack newsletter writer, or podcaster.

INFJ ("The Advocate")

With a deep sense of idealism and integrity, you’re passionate about leaving a lasting impact. You’re big on uplifting and helping others and you value meaningful relationships with those around you. Why not make your side hustle your mission? Some top ideas for you are non-profit consulting, photography, and life coaching.

INFP ("The Mediator")

You’re imaginative and empathetic to the core with a strong need for creative self-expression. Your side business can be a great source of purpose for you, but make sure you take action and actually get it off the ground. After all, this personality type often stays stuck in daydreaming rather than taking steps to fulfill their dreams. A few side hustle ideas include freelance copywriting, marketing consulting, or designing your own jewelry.

ENFJ ("The Protagonist")

As a popular leader with a great sense of purpose, you want to help those around you. And while you speak up for what you believe in, you always do so without coming off as pushy. Because you light up when you help others excel, side hustles like leadership coaching, career coaching, self-esteem coaching, and wedding planning will be right up your alley.

ENFP ("The Campaigner")

Outgoing and friendly, you tend to be the life of the party, while you value deep and meaningful connections with others. Because you have many ideas and interests, you might find it hard to focus on one side hustle idea. But remember, even if you decide on a side business today, you can always expand to other areas in the future. Side businesses where you get to use your people skills and creativity are likely to motivate you the most. You can use your core strengths by building a side hustle as a freelance social media manager, public relations consultant, freelance journalist, or charisma coach.

ISTJ ("The Logistician")

You thrive when you’re working towards a goal, especially if you get to do it on your own. Rules and guidelines are important to you and between facts and emotions, you always choose facts. Where you really shine is in making things run smoothly and efficiently and building long-term, consistent projects. That’s why you should consider app development, real estate investing, productivity coaching, or management consulting as side hustles.

ISFJ ("The Defender")

Even though you’re introverted, you love connecting with others. Working with people brings you a lot of joy and you go above and beyond to exceed their expectations. You could even be called a perfectionist, which makes side hustles such as virtual assistance, customer happiness consulting, relationship coaching, and interior design some of the top options for you.

ESTJ ("The Executive")

People often come to you for advice and guidance and you’re a born community builder. You’re a project manager at heart and your superpower is to turn complex challenges into simple steps. That’s why your side hustle ideas should involve some level of organization and structure. For instance, you’d stand out as a freelance project manager, freelance community manager, team-building consultant, or financial planner.

ESFJ ("The Consul")

As someone who is practical, well-organized, and social, you’re pretty much made for a side hustle where you get to work with people. And because you enjoy bringing value to those around you, starting a side business as a health coach, Airbnb host, employee motivation consultant, or HR consultant can feel especially rewarding.

ISTP ("The Virtuoso")

With your love for making things in mind, any side hustle where you get to use your practical skills is an ideal fit for you. You don’t flourish if things get too structured and you love the independence that a business can offer you. Look at side hustles such as starting a TaskRabbit or Thumbtack account, graphic design, or setting up your own repair shop.

ISFP ("The Adventurer")

You have an eye for arts and beauty and you live for creative freedom. A side hustle can give you a creative outlet if you’re not already feeling fulfilled in your 9-5. And as you don’t like to plan too much ahead (say, for your retirement), a side gig can bring in a well-needed income. For instance, start an Etsy e-commerce store, become a freelance creative director or an image consultant, or sell your illustrations online.

ESTP ("The Entrepreneur")

A side hustle can lead to a lot of excitement in your life. You’re a leader-type with plenty of energy and enthusiasm. And as you’re not a big fan of rigor or rules, stepping into the role of a business owner can be extremely fulfilling for you. Some of the top business ideas include freelance sales representative, branding consultant, and starting your own e-commerce business.

ESFP ("The Entertainer")

You know how to throw a party and you’re always there for those who need you. While you’re not particularly interested in repetitive tasks, you love working with people and making them happy. With your impeccable aesthetics, a side business such as an event planning business, a fashion brand, or a tour guiding business is an excellent choice for you.

Hopefully, you’re now one step closer to finding your side hustle idea. All of the MBTI types have their own weaknesses and strengths. Use them and you’ll find that perfect match for your personality type.

Luisa Zhou is an entrepreneur and the creator of the Employee to Entrepreneur system, which teaches people how to leave their day job and start their own six-figure-plus business working for themselves. She's been featured in Forbes, Inc., Entrepreneur, and more. Sign up here to get her free blueprint for building a profitable online business that frees you from the 9-5.

The holidays are here! Well, kind of. Thanksgiving isn’t until November 28 but as far as I’m concerned, November 1 is the day the festivities can begin. I’m pulling out my holiday candles, Christmas PJ’s, and even my How the Grinch Stole Christmas vinyl to make the dreary seasonal blues a little more cheerful. And a huge part of getting into the spirit is stacking up the perfect holiday movie marathon. Thankfully Netflix already has a bunch of holiday titles coming out over the next few weeks. Here are the best (new!!) holiday movies and specials coming to Netflix starting November 1.

Dinner Time Live With David Chang: Holiday Edition — On Netflix Now Until December 10

Adam Rose/Netflix

Nothing says the holidays like tons of delicious meals, and Chef David Chang is cooking some amazing food for his celebrity friends — and he's doing it all live. (Because, a lot of TV cooking uses swaps and stylists to make it look better than it actually is). I'm getting hungry just thinking about it!

Dinner Time Live With David Chang: Holiday Edition is hosted by David Chang.

Meet Me Next Christmas — On Netflix November 6

Sophie Giraud/Netflix

Christmas in New York City is truly a magical experience, and Layla's looking for her own fairytale romance this holiday season. And believe it or not, the ticket to finding her one true love is getting into the Pentatonix Christmas Eve Concert.

Meet Me Next Christmas streams November 6 and stars Christina Milian, Devale Ellis, Kofi Siriboe, Tymika Tafari, Mitch Grassi, Scott Hoying, Kirstin Maldonado, Kevin Olusola, Matt Sallee, Kalen Allen, Nikki Duval, and Wesley French.

Hot Frosty — On Netflix November 13

Petr Maur/Netflix

Nobody puts me in the holiday spirit like seeing Lacey Chabert onscreen, and this year, she's playing Kathy, a widow who happens to bring a handsome snowman to life. (I don't remember this in the "Frosty the Snowman" lyrics!). He helps Kathy reconnect with her emotions as they begin to fall for each other — and as he begins to melt.

Hot Frosty will stream on Netflix beginning November 13 and stars Lacey Chabert, Dustin Milligan, Craig Robinson, Joe Lo Truglio, Katy Mixon, Lauren Holly, and Chrishell Stause.

Netflix Stories: A Virgin River Christmas — On Netflix November 19

Petr Maur/Netflix

It's almost time for Virgin River season 6, which means we're getting closer to the ultimate cozy TV show. I mean, just look at those twinkly lights and pine trees in this preview image! It gives me the same exact feeling as drinking a mug of hot cocoa. This year, we're getting closer to Mel and Jack’s wedding, and confronting some serious secrets and drama along the way. This might not count as a Netflix holiday movie but I couldn't NOT include it!!!

Virgin River season 6 hits Netflix November 19 and stars Alexandra Breckenridge, Martin Henderson, John Allen Nelson, Tim Matheson, Annette O’Toole, Colin Lawrence, Benjamin Hollingsworth, Zibby Allen, Sarah Dugdale, Marco Grazzini, Mark Ghanimé, Kai Bradbury, Kandyse McClure, Jessica Rothe, and Callum Kerr.

The Merry Gentlemen — On Netflix November 20

Katrina Marcinowski/Netflix

Remember that One Tree Hill episode where the Ravens take part in the "Boy Toy" charity auction? Complete with a shirtless fashion show? Consider this the Netflix holiday movie response. When former dancer Ashley learns her parents' performing venue is in danger, she puts together the ultimate Christmas-themed show to raise money. Shirts not included.

The Merry Gentlemen hits Netflix November 20 and stars Britt Robertson, Chad Michael Murray, Marla Sokoloff, Beth Broderick, Michael Gross, Maxwell Caulfield, Hector David Jr., Colt Prattes, and Marc Anthony Samuel

Spellbound — On Netflix November 22

Skydance Animation/Netflix

Okay, this fantasy movie might not technically be a Christmas movie, but it has everything I need in my Netflix holiday movies: family, hope, and love. After her parents are turned into monsters, princess Ellian must go on the ultimate quest to put everything right.

Spellbound hits Netflix November 22 and stars Rachel Zegler, John Lithgow, Jenifer Lewis, Nathan Lane, Tituss Burgess, Javier Bardem, and Nicole Kidman.

Our Little Secret — On Netflix November 27

Bob Mahoney/Netflix

If EXmas taught us anything, it's that spending the holidays with your ex is anything but calm. And in Lindsay Lohan's new movie, she finds herself at the same Christmas celebration as her ex when they realize their new SO's are siblings. No, that's not awkward at all.

Our Little Secret hits Netflix November 27 stars Lindsay Lohan, Ian Harding, Tim Meadows, Jon Rudnitsky, Henry Czerny, Judy Reyes, Chris Parnell, Kristin Chenoweth, Dan Bucatinsky, Katie Baker, Jake Brennan, Ash Santos, and Brian Unger.

Is It Cake? Holidays — On Netflix November 28

Netflix

The only thing more enjoyable than eating delicious food is watching master bakers create beautiful food. This holiday special features edible ice skates, nutcrackers, and reindeer that will change the way you look at baking forever. Watch it in one sitting and it definitely counts as a holiday movie ;).

Is It Cake? Holidays hits Netflix November 28 and stars Jonny Manganello, Andrew Fuller, April Julian, Elizabeth Rowe, Miko Kaw Hok Uy, Danya Smith, Henderson Gonzalez, Grace Pak, and Jujhar Mann, with judges Rachel Bloom, Hannah Berner, Tiffany Haddish, Devon Walker, James Austin Johnson, Chris Witaske, Sasheer Zamata, Terry Crews, Punkie Johnson, and Randall Park.

The Snow Sister — On Netflix November 29

Netflix

Julian's turning 11 on Christmas Eve, and even though it's usually the best day ever, this year is overshadowed by the death of his older sister. A newfound friendship with Hedwig helps him heal, but he can't help but feel like Hedwig's house — and the old man that's always around — are hiding secrets.

The Snow Sister hits Netflix November 29 and stars Mudit Gupta, Celina Meyer Hovland, Ole Steinkjer Øyen, Jan Sælid, Samsaya, Gunnar Eiriksson, and Advika.

Which Netflix holiday movie are you excited to watch? Let us know in the comments!

This edible crescent-roll cornucopia is our way of making a normal cheese boardmore festive — and definitely more fun — during the holiday season. Our go-to this time of year is a massive cheese plate that can stand alone and be the main attraction, or the starter for a larger meal. Press on for the surprisingly easy steps to braid a breaded cornucopia.

Chris Andre

Materials + Tools:

  • 1 roll of tin foil
  • 2 packages of crescent rolls
  • 1 egg (for egg wash before cornucopia goes into the oven), optional

Chris Andre

Instructions:

Start by sculpting tin foil into the shape of a cornucopia (it looks like a cone with an upturned tail). Pro tip: Lightly pack tin foil so it's easier to remove later from your baked cornucopia. Crescent rolls should be buttery enough that this shouldn't be difficult.

Chris Andre

Your tin foil mold should look a little something like this.

Chris Andre

Pop open the crescent rolls and cut the triangles into strips. Pinch together the ends of strips to make strips longer.

Chris Andre

Braid crescent roll strips. You can make these as fancy as you want. Not a braiding pro? Skip this step and leave those strips alone.

Chris Andre

Wrap tin foil cornucopia with braids/strips. Make sure you cover all the tin foil. Leave a little wiggle room at the opening of the cornucopia, so that when you’re done baking you can pull some of that tin foil out.

Chris Andre

Use any extra dough to cover the bottom of your cornucopia. Pinch the sides and anchor those braids/strips in.

Chris Andre

Brush on egg wash before placing your cornucopia in the oven. Bake at 350 degrees Fahrenheit for 20 minutes. Take out of oven and cover spots of cornucopia that are already golden brown with extra tin foil. Bake for another 20 minutes at 250 degrees Fahrenheit.

Chris Andre

Let it cool down until it’s easy to handle. Remove tin foil.

Chris Andre

Place cornucopia in corner of your cheese plate. Arrange cheese on your serving tray.

Chris Andre

Add crackers — we like to have two or three options.

Chris Andre

Don’t forget to fill up your cornucopia. It's called "the horn of plenty" for a reason. Fill with fresh fruit like grapes, apples, and pears.

Chris Andre

Add nuts like walnuts and pistachios to fill in any empty spaces. Garnish with fresh herbs like rosemary and sage to finish it off.

Chris Andre

Voilà! Invite over your friends, open a bottle of wine, and dig in!

Chris Andre

A cornucopia cheese board will become your new favorite holiday tradition.

Show us your crescent-roll cornucopias on Instagram and check out our baking classes (and our Easy Thanksgiving Desserts piece) for more holiday food inspo!

DIY Production and Styling: Paris Fried

Paris Fried: Paris loves any excuse to celebrate and throw a themed party. She loves experimenting in the kitchen and has a terrible sweet tooth. When she's not crafting in her studio, she's at the farmers' market buying seasonal produce or at her favorite local theater watching double features.

This post has been updated.